Deposit Rates

The following interest rates and annual percentage yields apply to your deposit accounts. Additional disclosures effecting the interest rates or frequency of interest rate changes are available on this site. Some accounts have penalties for early withdrawal. Other fees may also reduce the earnings on an account.

These rates are the latest rates available. These rates are subject to change on a daily basis. You may call 217-796-3305 to determine if any of the posted information has changed. All accounts are insured by Federal Deposit Insurance Corporation (FDIC)

Effective December 5, 2016

Account Type

APY

Interest Rate

Minimum Deposit

NOW Account

0.10%

0.10%

$1,200

Super NOW

0.15%

0.15%

$2,500

Money Market

0.25%

0.25%

$2,500

Money Market

0.35%

0.35%

$50,000

Savings

0.15%

0.15%

$10.00

91 Day C.D.

0.25%

0.25%

$1,000

182 Day C.D.

0.30%

0.30%

$1,000

12 Mos. C.D.

0.40%

0.40%

$1,000

18 Mos. C.D.

0.60%

0.60%

$1,000

24 Mos. C.D.

0.75%

0.75%

$1,000

36 Mos. C.D.

1.11%

1.10%

$1,000

48 Mos. C.D.

1.26%

1.25%

$1,000

60 Mos. C.D.

1.41%

1.40%

$1,000

I.R.A. 12 Mos.

0.45%

0.45%

$1,000

FDIC Insurance: The regular FDIC
insurance limit is $250,000 under the FDIC's general deposit insurance rules.